2005 Chevrolet TrailBlazer EXT Car Insurance Quotes – 9 Savings Tips

Nobody enjoys paying for insurance, especially when their premiums are too high. Due to the fact that there are so many online and local companies to choose from, it is hard for the average consumer to find the most cost effective insurance provider.

Compare insurance coverage rates

Performing a rate comparison can take hours if you don’t know the most efficient way. You could waste a few hours talking to insurance companies in your area, or you could save time and use online quotes to get the quickest rates.

All the larger companies participate in a marketplace where insurance shoppers enter their coverage request one time, and every company can give them a price for coverage. This eliminates the need for quote requests for each company.

To fill out one form to compare multiple rates now click here to start a free quote.

The one downside to pricing coverage this way is that consumers can’t choose which carriers you want to price. So if you want to choose specific providers for rate comparison, we put together a list of insurance coverage companies in your area. Click to view list.

However you get your quotes, make sure you compare exactly the same coverage information on every quote you get. If the quotes have different data it’s impossible to make a fair comparison for your Chevy TrailBlazer EXT.

Insurance advertising tricks

Consumers get pounded daily by advertisements that promise big savings for switching by companies like State Farm, Geico and Progressive. They all seem to say the same thing of big savings if you change your policy.

How do they all charge you less for car insurance? It’s all in the wording.

Auto insurance companies provide the lowest rates for the type of driver that will not have excessive claims. A good example of a profitable customer might have to be over the age of 35, has no tickets, and does not commute to work. A propective insured who matches those parameters will probably get cheap car insurance rates and will also save when they switch companies.

Consumers who do not match this ideal profile may receive a more expensive rate which translates to the customer not purchasing. The trick companies use is to say “customers who switch” not “everybody who quotes” save the amount stated. That’s the way companies can truthfully advertise the savings.

This illustrates why you really need to compare free insurance coverage quotes often. Because without a comparison, you cannot know which company will be your best fit.

These nine discounts can slash auto insurance rates

Companies don’t list every available discount very well, so we took the time to find some of the more common and also the lesser-known credits available to lower your premiums when you buy insurance coverage online.

• Bundled Policy Discount – If you have multiple policies with one company you could earn a discount of 10% to 20% off each policy.
• Mature Driver Discount – Older drivers may receive a slight reduction on a insurance coverage quote for TrailBlazer EXT coverage.
• Military Discounts – Being on active deployment in the military can result in better premium rates.
• Professional Organizations – Being a member of a professional or civic organization is a good way to get lower rates on auto insurance.
• Multi-line Discount – Companies who offer life insurance give a break if you buy life insurance from them.
• New Car Discount – Buying coverage on a new vehicle can cost up to 25% less since newer vehicles have better safety ratings.
• Federal Employees – Being employed by or retired from a federal job can save as much as 8% for TrailBlazer EXT coverage depending on your auto insurance provider.
• Good Driver Discount – Insureds without accidents can pay as much as 50% less for TrailBlazer EXT coverage than drivers with accident claims.
• Telematics Discount – Drivers who agree to allow their auto insurance company to study where and when they drive through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if their driving habits are good.

As a sidenote, many deductions do not apply to all coverage premiums. Some only apply to individual premiums such as physical damage coverage or medical payments. Even though the math looks like all those discounts means the company will pay you, you aren’t that lucky.

The best auto insurance companies and a summarized list of policyholder discounts can be read below.

• Geico offers premium reductions for anti-theft, air bags, military active duty, daytime running lights, defensive driver, seat belt use, and emergency military deployment.
• Mercury Insurance may have discounts that include anti-theft, multi-policy, type of vehicle, location of vehicle, good driver, ease of repair, and professional/association.
• Farmers Insurance policyholders can earn discounts including youthful driver, teen driver, mature driver, alternative fuel, multi-car, and homeowner.
• Auto-Owners Insurance may offer discounts for safe driver, teen driver, air bags, anti-theft, and paperless.
• Liberty Mutual has savings for multi-policy, new graduate, multi-car, newly retired, newly married, teen driver discount, and good student.
• SAFECO offers discounts for homeowner, drive less, teen safe driver, accident prevention training, bundle discounts, and teen safety rewards.
• Progressive includes discounts for good student, online signing, homeowner, continuous coverage, multi-policy, and multi-vehicle.
• USAA may include discounts for loyalty savings, military installation, new vehicle, vehicle storage, and safe driver.

When quoting, ask every company to give you their best rates. A few discounts might not be offered in your area. To locate providers who offer discounts, click here.

When do I need an agent’s advice?

When buying coverage, there really is no single plan that fits everyone. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions can aid in determining whether you would benefit from professional advice.

• Does my policy cover me when driving someone else’s vehicle?
• Should I have combined single limit or split liability limits?
• Should I file a claim if it’s only slightly more than my deductible?
• Is a blown tire covered by insurance?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Is business property covered if stolen from my car?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of car insurance companies in your area. It is quick, free and may give you better protection.

Coverages available on your policy

Knowing the specifics of a insurance policy helps when choosing the right coverages for your vehicles. Insurance terms can be impossible to understand and coverage can change by endorsement. These are typical coverage types offered by insurance companies.

Comprehensive insurance

Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as vandalism, damage from flooding and hitting a bird. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for expenses like pain medications, prosthetic devices and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries and damage to your Chevy TrailBlazer EXT.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Usually these coverages are similar to your liability insurance amounts.

Collision protection

This coverage covers damage to your TrailBlazer EXT resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as scraping a guard rail, sideswiping another vehicle, rolling your car and hitting a mailbox. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Liability coverages

This coverage protects you from damages or injuries you inflict on other people or property in an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like attorney fees, medical expenses and funeral expenses. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Shop. Compare. Save.

As you shop your coverage around, it’s not a good idea to buy less coverage just to save a little money. There have been many situations where an insured dropped physical damage coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase a proper amount of coverage at the best cost, but do not sacrifice coverage to save money.

Discount 2005 Chevy TrailBlazer EXT insurance is attainable from both online companies in addition to local insurance agencies, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who may not have internet price quotes and usually these smaller companies only sell coverage through local independent agents.

For more information, take a look at the following helpful articles:

• How to Avoid Common Accidents (State Farm)
• Speed and Speed Limit FAQ (iihs.org)
• Rental Reimbursement Coverage (Allstate)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Preventing Carjacking and Theft (Insurance Information Insitute)